Financial Assistance Policy

Spanish Verison. 

Howard Memorial Hospital (HMH) affirms and maintains its commitment to meet the health and medical needs of our communities in a manner consistent with the Mission, Vision and Core Values of HMH. 

Howard Memorial Hospital is a tax-exempt organization committed to caring for our community. We offer payment assistance for those who do not have insurance or who are in financial need.

Howard Memorial Hospital’s Financial Assistance Policy applies to all emergency or other medically necessary care provided by the Hospital Facility.

Howard Memorial Hospital is committed to providing financial assistance to patients who are uninsured, underinsured, or unable to pay for emergency or other medically necessary care. Howard Memorial Hospital provides treatment for emergency medical conditions or other medically necessary care without regard to the patient’s ability to pay. 

Howard Memorial Hospital’s Financial Assistance Policy prohibits the Hospital Facility from engaging in any actions that discourages patients from seeking emergency medical care.   

Howard Memorial Hospital provides Financial Assistance without regard to race, sex, creed, national origin, or any protected characteristic. 

Uninsured Patient Discounts

Howard Memorial Hospital will provide an automatic discount from the hospital’s regularly billed charges to those patients who do not have insurance.  This includes patients whose financial situation normally would not qualify them for charity care discounts. 

Uninsured patients will be given an automatic discount equal to 60% applied to regularly billed charges for emergent and medically necessary care. No person eligible for financial assistance under the FAP will be charged more for medically necessary care than amounts generally billed (AGB) to individuals who have insurance covering such care.  Howard Memorial Hospital determines amount generally billed (AGB) on all claims paid to Howard Memorial Hospital by Medicare and private health insurers over a 12-month period, divided by the applicable gross charges for those claims. If an individual has sufficient insurance coverage or assets available to pay for care, he/she may be deemed ineligible for financial assistance. 

Howard Memorial Hospital has calculated the current AGB to be 40% of regularly billed charges.  Therefore, Howard Memorial Hospital will provide the discount from regularly billed charges equal to a 60% discount.

The method for calculating the Amount Generally Billed for individuals with insurance covering emergency or other medically necessary care is the look back method. Howard Memorial Hospital reviewed claims during the 12 month period for the calculation.  An explanation how this percentage was calculated is available free of charge by contacting Howard Memorial Hospital Monday thru Friday, 8am to 4:30pm 870-845-8006.     


Uninsured - Patient (or guarantor) has no third party payor source at time of service.

Underinsured - Patient (or guarantor) has a third party payor source at time of service, but does not have the financial means to pay the balance after insurance.

Presumptive Charity – Determination that a patient is eligible for charity when the information provided from the patient is inadequate and alternate sources are used to determine that patient qualifies for charity.

Guidelines for Charity Care 

If a patient does not have health insurance or is experiencing financial difficulties on the patient portion of the bill and anticipates that he may not be able to pay the balance due, Howard Memorial Hospital offers financial assistance (Charity Care Discount).

The completed application and supporting documentation can be taken to one of the Financial Counselors during normal business hours. Click here to print Charity Care Patient Financial Statement and complete a Financial Assistance Application. 

The Federal Poverty Guidelines for income are the basis for determining eligibility for charity discounts.  For example, individuals with incomes below 100% of the Federal Poverty Guidelines may be eligible for free care.  Individuals with incomes greater than 100% of the Federal Poverty Guideline may be eligible for care at discounted rates depending on their income level and the amount due to HMH.

In addition, Howard Memorial Hospital may review asset information related to the patient’s Financial Assistance Application.   

In order to be eligible for Charity Assistance, a Charity Care Patient Financial Statement must be completed and submitted with the requested documentation.  The requested documents include:

  • Completed Charity Care Patient Financial Statement
  • Current Federal Income Tax Return with all tax schedules
  • Pay Check stubs for the most recent 3 months for all members of the household
  • Most recent bank statement for all accounts. 

The Charity Care Patient Financial Statement will be evaluated according to the patient’s income compared to the Federal Poverty Guidelines.

The Federal Poverty Guidelines in effect as of January 26, 2017 are provided below:

Family Size Poverty Guideline
1 $12,060
2 $16,240
3 $20,420
4 $24,600
5 $28,780
6 $32,960
7 $37,140
8 $41,320
for each additional member add $4,160

The calculation for Charity Care Financial Assistance is based on the size of the patient’s immediate family, annual household income, and a sliding scale comparing household income with the federal poverty income guideline. This sliding scale can be obtained from the Financial Counselor at Howard Memorial Hospital.  Contact information is provided below.  

If requested documentation for the Charity Assistance is not available, patient (or guarantor) may contact Financial Counselor to determine alternate sources of support to determine eligibility. 

Charity Assistance will be effective for a period of 12 months subsequent to approval unless evidence is received regarding a change in income, family size, or financial situation that would make the Financial Assistance / Charity Care eligibility no longer valid.

Patient or guarantor receiving less than 100% Financial Assistance / Charity Care must set up a payment plan for the remaining balance. The remaining balance is expected to be paid in full within six months, but alternate payment arrangements with the patient or guarantor can be made.  

Presumptive Eligibility for Charity will be considered when a patient appears eligible for charity, but the Charity Care Patient Financial Statement is incomplete or lacks requested documents.  Howard Memorial Hospital will make a decision on Presumptive Charity Care based on: 

  • 3rd party score based on Federal Poverty Guidelines
  • Patient is deceased with no known estate
  • Patient is homeless or
  • Bankruptcy. 

After Howard Memorial Hospital makes a determination that a patient or guarantor is eligible for financial assistance, the patient or guarantor is notified in writing of the eligibility, the dollar amount of the eligibility, the basis for the determination, and the amount that the patient or guarantor owes for the care.

Howard Memorial Hospital will refund to the patient or guarantor any amount he has paid before financial assistance eligibility is determined if the amount already paid exceeds the amount that the patient qualifies for as an eligible individual.    

Howard Memorial Hospital offers charity to patients with Medicaid as primary payer on billable patient charges.   

Billing and Collection Policy

Howard Memorial Hospital’s Billing and Collection Policy is be located on the Hospital’s website  under Patient Resources.  Click here to access Howard Memorial Hospital’s Billing and Collection Policy.

Contact Information

If there is any question about the Financial Assistance Program or Charity Assistance, Howard Memorial Hospital’s Financial Counselors are available 6:30 a.m. to 5:30 p.m., Monday through Friday, to assist.

Financial Counselors can be reached at 870-845-4400 or visit them in the Admissions Office located just inside the main entrance to Howard Memorial Hospital, 130 Medical Circle, Nashville. 


Howard Memorial Hospital has providers, other than the hospital facility itself, that deliver emergency or medically necessary care at Howard Memorial Hospital.  The listing specifies which providers are and which providers are not covered by Howard Memorial Hospital’s Financial Assistance Plan. 

Providers Not Covered under Howard Memorial Hospital’s Financial Assistance Policy:
Specialty Clinic Physicians (Satellite Clinic)


  • David M. Griffin, M.D.
  • Poongodhai Ramachandran, M.D.
  • Andre Paixao, M.D.

 Gynecology and Obstetrics

  • Michael C. Carozza, M.D.

Hematology and Oncology

  • Roy T. Webb, M.D.


  • Sandra A. Sooman, M.D.


  • C. Todd Payne, M.D.


  • Martin Johnson, M.D.

Emergency Medicine

  • EMCare (prior to December 1, 2016)
  • NES Health (December 1, 2016 to current)
Providers Not Covered under Howard Memorial Hospital’s Financial Assistance Policy (cont’d):

Family Practice

  • Brian Oge, M.D.
  • Clay Ferguson, M.D.
  • John Sayre, M.D.
  • Brian Caldwell, M.D.
  • Ngozi Wilkins, M.D.


  • Frank Teed, M.D.


  • Bryan Griffin, M.D.
Providers Covered under Howard Memorial Hospital’s Financial Assistance Policy:

Howard Memorial Hospital Hospitalists

  • Charles Beard, M.D.
  • Chinedu Ede, M.D.

General Surgery

  • John Hearnsberger, M.D.
  • Luis Barandiaran, M.D.